There are many factors that will help you choose the Citibank credit card that is right for YOU. The best options are often available with no annual fee. These companies offer 0% APR for the first year and waive any annual fees. The 0% APR introductory period is great for anyone who plans to purchase new goods or simply transfer current balances.
Citi ThankYou(r), Prreferred Card
Citi ThankYou(r), a Preferred Card, offers double rewards on dining, theater and sports events. The rewards rate for everyday spending is not as high as the Citi ThankYou(r) Preferred Card. This means that you might need to compare other cards before applying for the card.
Citi offers various types of credit cards that will appeal to different consumer groups. There are flexible points cards, airline credit cards and cash back cards. Some cards even offer 0% APR promotional offers. Each card has its own application process so be sure to read the conditions before you apply. Some of them don't accept people who have signed up for a sign-up bonus with another bank, or those who have closed a credit card before.
Citi ThankYou rewards program works in the same way as most credit card loyalty programmes. ThankYou points can then be redeemed by cardholders to purchase gifts, trips or credit for statements. You can redeem ThankYou points for gifts, trips, or statement credits. For example, if your coffee purchase is $2, you will receive 10 ThankYou points. A $12 meal will give you 20 points. Citi ThankYou (r) Preferred Cards offers an interesting feature. ThankYou point can be used to purchase a check/statement credit or a check at either the end of a month or at year's end.
Citi Double Cash
Citi Double Cash credit card offers many rewards for different purchases. You will need to have a $25 minimum balance in order to redeem your cashback rewards. To maximize your rewards, you should pay your monthly balance in full. If you do not, your rewards may expire after 12 month.
The card offers balance transfer at 0% APR. You will be charged a fee, but it is minimal compared to the interest savings. In addition, the card offers a $200 cash back reward after spending $1,500 in the first six months. It isn't the best cash-back credit card but it does have some advantages that other cards don’t.
The Double Cash card rewards financial prudence by rewarding you for timely payment of your bills. This is an excellent option for people who are new to cash back rewards cards. This card is also ideal for people with one credit-card. This card can also be used with other cards.
Citi Prestige
Citi Prestige credit card offers luxury travel benefits and is a great option. There are many perks available for frequent travelers. They include 5 points per dollar on eligible air travel and 3 point per dollar on hotel stays. Foreign transaction fees are not charged by the card. You can also get access to 400 airport lounges worldwide.
The Citi Prestige Card also comes with Priority Pass Select membership as an additional bonus. This gives you access at over 1,200 airport lounges around the world. However, the benefit is only valid for 2 nights per year. If you can use it twice in a year, it could help you save a lot of money on hotel stays and even offset the annual fee of $495.
Citi Prestige credit card offers an intro balance transfer offer. This allows you to take advantage of the 2% cashback. Additionally, you will be eligible for discounts on dining out and entertainment in 95 other countries.